| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.2% | +1.3% | -12.5 pts |
| Share growth (YoY) | -14.1% | +0.9% | -15.0 pts |
| Loan growth (YoY) | -15.8% | -2.6% | -13.2 pts |
| ROA | -0.07% | 0.65% | -0.7 pts |
| ROE | -0.3% | 4.4% | -4.7 pts |
ROA ranks in the 17th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.9M | $2.2M | $1.3M | $654K | $-996 | -0.07% | 4.86% | 0.00% | 349 |
| Q1 2026 | $2.9M | $2.2M | $1.4M | $658K | $2K | 0.28% | 4.92% | 0.00% | 351 |
| Q4 2025 | $3.1M | $2.4M | $1.5M | $656K | $5K | 0.16% | 5.13% | 0.00% | 356 |
| Q3 2025 | $3.2M | $2.5M | $1.5M | $655K | $4K | 0.17% | 5.05% | 0.00% | 369 |
| Q2 2025 | $3.2M | $2.6M | $1.6M | $653K | $7K | 0.44% | 4.99% | 0.00% | 376 |
| Q1 2025 | $3.2M | $2.6M | $1.5M | $651K | $2K | 0.28% | 4.98% | 0.00% | 383 |
| Q4 2024 | $3.2M | $2.6M | $1.5M | $650K | $10K | 0.31% | 5.08% | 0.00% | 386 |
| Q3 2024 | $3.3M | $2.6M | $1.6M | $650K | $10K | 0.41% | 5.18% | 0.00% | 394 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -0.07% | 0.65% | 17th | |
Return on equity Annualized net income ÷ equity or net worth | -0.3% | 4.4% | 17th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.86% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $3.4M |
| $2.7M |
| $1.6M |
| $644K |
| $4K |
| 0.25% |
| 5.10% |
| 0.00% |
| 398 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $1.1M · securities $1.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 101.6% | 80.6% | 88th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Bowie, TX, ranked 24th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Bowie, TX | 1 | $2.2M* | 0.08% | 24th |
Texas: 886th with 0.00% · Texarkana metro: 26th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1